How can one just starting out build a credit history??

Broke.: How can one just starting out build a credit history??
As a young person just starting out, I apply for Old Navy cards and what not and they reply back “Regret to inform you blah blah reason for denial: “Insufficient Credit History.” How can one BUILD credit if creditors wont allow you to get any? How can I start building credit? Which companies, if any, will let me gain a credit card? I’m 18 and graduated High School.
All the responses I get from cards are “Insufficent Credit History.” Wether I’m applying for stores, visa, MC, etc..

Educated answers need only apply. Thanks.
Do you have a job? Yes
How do you currently manage your income? Rent and bills and necessities 1st.
Do you have any bills now? Yes
Do you have a budget and a plan on how you are going to repay any credit you may receive? Yes
And I know what some of you are thinking “Oh Geesh! 18 with a credit card. She’s gonna spend spend spend.”

Well, no i’m not. Buy some things yes. Pay them off the day I get the bill? Always just like my cell phone bill & rent.

Answers and Views:

Answer by choicher
I would go get a credit card and buy a lot of stuff and then not pay them off. this makes companies want to give you cards.

Answer by Duane B
Go to the website below and read it all. If your looking to start building credit this site is a great one to start! You will learn a lot about credit report repair and this should help you avoid it in the first place!

There is a section called “low apr credit cards” where you could apply to and this way your credit report only gets pulled once and sent to all creditors and lenders looking to help people like you get started.

Having only one copy of your credit report pulled will keep your score from going down and you should consider getting a credit monitoring service.

You are free to check your credit as often as you want and not damage your score any and you can easily keep track of your money and where it’s going!

Monitoring your credit will enable you to make your score higher and keep you from Identity theft!

Answer by Star
Some local banks offer credit cards to younger people. All you need is a check stub from you place of employment and a co-signer. This is usually one of your parents. They wont give you a card with a high credit limit (mine only had about $ 1,000 on it), but its a good place to start.

Answer by SPIFIMAN1
Try First Premier, Capital One, H.S.B.C. and Orchard bank.

If all else fails you may have to start with a secured card.

Whichever you get use it for every day things, never exceed 30% of your limit in any month and pay in full before the due date.

After about 12-18 months of this you should be able to get a regular card and then you can also start working on your installment credit.

Answer by Thomas K
www.orchardbank.com

They will give you a credit card. Charge on it, pay more than the minimum, and keep your balance around 30% of total allowed. After 6 months, others will send you cc offers

Also, have your cell bill added to your credit report. This will give you more positive reporting. The way to do that is to call the credit bureau, listed on your reject sheets, and ask them.

Answer by Madeline
Do you have a parent or relative who would be willing to co-sign a credit card account for you? The credit card company will consider your co-signers credit history, allowing you to get a card and start building your own credit. Just remember that if you don’t pay the bill on time, every time, it will impact the co-signer’s credit score.

If you don’t have someone willing to co-sign, you can apply for a secured credit card at your bank or credit union. That means that you will deposit an amount equal to your credit limit – building a credit history this way is slow, but it works.

In addition, there are some cards that are easier to get than others. For instance, gasoline cards may be easier to obtain, so give that a shot. Then you can work your way up to department store cards, and eventually, a bank credit card.

As you start out building credit, make sure you’re building a good credit history by paying off the credit card in full every month.